The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,403
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,691
−HK$1,308/mo
Today · 4.125%
HK$43,999
baseline
▲ 0.50% · 4.625%
HK$46,676
+HK$2,677/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$87,998/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,060
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,295
−HK$1,254/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,108
+HK$2,559/mo
Deposit HK$9.08M · loan HK$9.08M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,683
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,229
−HK$1,570/mo
Today · 4.125%
HK$52,799
baseline
▲ 0.50% · 4.625%
HK$56,012
+HK$3,213/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,598/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,272
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,754
−HK$1,504/mo
Today · 4.125%
HK$58,258
baseline
▲ 0.50% · 4.625%
HK$61,329
+HK$3,071/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,516/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,964
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,767
−HK$1,832/mo
Today · 4.125%
HK$61,599
baseline
▲ 0.50% · 4.625%
HK$65,347
+HK$3,748/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$123,198/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,484
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,214
−HK$1,754/mo
Today · 4.125%
HK$67,968
baseline
▲ 0.50% · 4.625%
HK$71,551
+HK$3,583/mo
Deposit HK$5.45M · loan HK$12.71M · min. income ≈ HK$135,936/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,525
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,843
−HK$2,355/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$84,017
+HK$4,819/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,255/mo
Today · 4.125%
HK$87,387
baseline
▲ 0.50% · 4.625%
HK$91,994
+HK$4,607/mo
Deposit HK$1.82M · loan HK$16.34M · min. income ≈ HK$174,774/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,890 · Scale 2, in force from 26 Feb 2026)